We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Future Proofing my life: Deposit saving then MFW journey in under 13 years

Options
18586889091293

Comments

  • I’ve just joined a local gym as a ‘student’ too 😙. I’m breaking mine into cost per use - this month I’m up to £2.59 a use - I’m aiming for £2 - Still got a week to go …..
    I like that idea - count per use ;) I will borrow that ;) so far one day use so £380 ;) 

    I asked my friends if they could see any difference in my skin (bearing in mind one of the first things my text ex (new name for him) said was 'you have amazing skin') they said I do look extra glowy and as if I have very expensive good make up on - I just slapped my normal tinted moisturiser .... so high hopes here for looking 16 in a few months with this led home mask (started using it 10 days ago)

    I cant seem to get ahead of my washing up... I wash and it grows on the drying board .. i tidy away .. then I wash again ..
    the defrost soup was tasty for lunch especially with fresh dill  and I steamed kale and cavo nero, fried up some roast  chicken with one of those l*dl rice flavoured pouches. and some of my new kidney bean houmous - the extra lemon  helped it become zingy...
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Cheery_Daff
    Cheery_Daff Posts: 17,101 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think washing up definitely does multiply if you do a lot of cooking from scratch! Some days I feel like I don't do anything else 😂😂

    Well done on the MB dosh!
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the gym. Good luck with the minimalism goal too. I've cleared so much from my house this year I still can't believe it. Still plan to let more go so I have more confidence I can move to a smaller space.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • I think washing up definitely does multiply if you do a lot of cooking from scratch! Some days I feel like I don't do anything else 😂😂

    Well done on the MB dosh!
    I sometimes think my kingdom for a dishwasher (of the mechanical or male variety) but in a rental I don't want to spend money moving pipes... in my head 13 months I will have a new home I have bought ;)

    @savingholmes I will never be minimalist - but I am trying to stop as much clutter coming in and get some out .... did you find a house yet??
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Personally, I think washing up reproduces if you leave it for more than half an hour - if I clear up as I go, it's fine. If I turn my back on it, more appears.

    Although not to be the bearer of bad news, but 13 months into owning a home and I still haven't managed to prioritise buying a dishwasher!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • I have a dishwasher. I wouldn't want to do without now - although I still sometimes let it build up!

    I still haven't necessarily found the house. But that could be because my actual current house is fabulous - I just wish it wasn't overlooked to the rear and that it was in a different location. Like a beautiful, affordable estate house in the hills and mountains - a tiny ask I feel... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • themadvix
    themadvix Posts: 8,696 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I wouldn’t be without my (slimline) dishwasher. When our first (came with the house) broke down a few years ago, it was replaced within days!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hello LWAP!  I lost you over the summer, glad to see you again :) I'm really wondering about your home-based skin treatments - I could really do with that myself, though £80 ... I wouldn't use it often enough (I haven't unpacked the electric toothbrush I bought last month on the dentist's recommendations.  I'm not good with this stuff!).  

    And as for a dishwasher - I finally bought one in 2010, when I moved here, but it's my house, not rented, which makes a difference, as you say.  I definitely wouldn't be without one now, if money ever got really tight I'd rather give up my tv licence than my dishwasher 🤣

    Love your savings goal - you can do it!
    2023: the year I get to buy a car
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,743 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 25 September 2023 at 10:47AM
    @themadvix I can see that :)
    yes I yearn for one but I am in a rental and would need to pay to move plumbing pipes - my neighbour was selling one earlier in year but the extra cost .. 
    I also have loads of gold plates and china - not dishwasher friendly .. 
    I will wait til I buy - but argh these dishes .. especially as I cook a lot 

    @Karmacat - good to be back with you all! 
    I am with you - if it involves effort I won’t do it - borrowed my sisters face thing that made me push the implement in areas of my face and I never used it - too much effort.. A mask though you just stick on and carry on or watch tv :) so I have been v consistent using it and honestly every morning my skin glows, and I look less tired - I am completely sold - 10 days in 

    My friend has been using  a led light mask that cost only £13 for the last year and raves about it - and had great results / he said you don’t need to pay £80
    I have just ordered 2 as gifts 
    they are now sold out but will dm you  link for when thru come back In if you want? 
    Or look at Temu - where I got it from - they all largely the same 

    to be honest any led light mask will do that has red light at least. 
    mine was more as it has a remote, more lights and also has near infrared rays which the expensive £280 current body mask does 
    however my friend has had amazing results with his £13 one - his skin looks like 20 something and in his 50s like me 
    you can then use cheaper creams and serums ! 
    (you use the mask on a clean face then add the serums and creams after and they penetrate more deeply) 

    I have not yet got the face wand yet - that maybe more of a pain as you need to wave it around your face once a week - plus it’s radio frequency derma abrasion so need a gel on as well to use to smooth over 
    at least with a mask you just stick in on and wash up if using yellow lights or lie down with the red as they are stronger - 

    if you don’t use it consistently then it won’t work though - so please for me unpack your electric toothbrush - they are like 2000x the cleaning power of a manual One and dental expenses are not mse ;) and I now daily floss .. not sure why we are not all taught about flossing  as kids ! 

    Feeling great after my gym yesterday so will be going today - feel v motivated and happy - so my £380 payment is already paying dividends 
    so work now and gym (chest and triceps) and maybe a swim .. and practice new side hustle later 
    happy Monday all let’s get focused ;)
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • beanielou
    beanielou Posts: 95,401 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another dish washer fan here. 
    Great for all the cat stuff. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.